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Interest Rates

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Latest rate of Interest offered by bank from 08/12/2025

Rate of Interest Senior Citizen
Saving deposit 2.75% 2.75%
30-45 days 3.25% 3.25%
46-179 days 4.75% 4.75%
180 days and above Less then 1 Year 5.65% 5.65%
1 year and above but within 2 years 6.80% 7.30%
2 year and above but within 3 years 6.80% 7.30%
3 year and above but within 4 years 6.70% 7.20%
4 year and above but within 5 years 6.60% 7.10%
5 Year 6.60% 7.10%
Senior citizen - 0.50% more for 1 year and above tenure

DISCRIPTION OF LOAN

Rate of Interest
EDUCATION LOAN 9.85%
HOUSING LOAN 9.85%
CAR LOAN upto 84 instalments 9.85%
SOLAR ENERGY LOAN 10%
TWO VHEELER LOAN 10.50%
LOAN/OD AGAINST LIC/NSC/KVP 10.50%
BUSINESS CC/HP/TERM LOAN 10.50%
PLANT MACHINERY LOAN 10.50%
COMMERCIAL VECHICAL LOAN 11.25%
CONSUMER LOAN/GHAR VAPRAS VASTU KHARIDWA LOAN 11.25%
GOLDLOAN/GLD TERMLOAN/OD GLD LOAN UPTO 84 MONTHS 11.00%
PROPERTY MORTGAGE LOAN 11.50%
TERM LOAN FOR BUSINESS UPTO RS 200,000/- WITHOUT MORTGAGE 13.25%
OLD CAR LOAN FROM 1/5/24 13.25%
PERSONAL LOAN 15.50%
FOD/FDL OVERDRAFT LOAN FIX+1%

CIBIL SCORE LOADING

Rate of Interest
ABOVE 800 & MORE NIL
SCORE 700 TO 799 BETWEEN RATE +0.50%
SCORE 600 TO 699 BETWEEN RATE + 1%
SCORE 500 TO 599 BETWEEN RATE +1.5%
LESS THAN 499 RATE + 2%

RECURRING DEPOSITS

Rate of Interest
12 MONTHS 6.80%
24 MONTHS 6.80%
36 MONTHS 6.70%
48 MONTHS 6.60%
60 MONTHS 6.60%

SUBHLAXMI DEPOSITS

Rate of Interest Senior Citizen
12 MONTHS 6.80% 7.30%
24 MONTHS 6.80% 7.30%
36 MONTHS 6.70% 7.20%
48 MONTHS 6.60% 7.10%
60 MONTHS 6.60% 7.10%
SENIOR CITIZEN - 0.50% more